Marin County property record for 97 Bahama Reef, Novato, CA 94949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,813 sqft · built 1977 |
| Lot Size | 0.244 acres (10,620 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $2,000,000 (Oct 2023) |
| Tax Bill | $27,240 (2025) |
| Deeds & Mortgages | Oct 2023 Sale Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 157-392-18 |
| Primary APN | 157-392-18 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,813 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 10,620 sqft (0.244 acres) |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 1,315 sqft |
| Patio Area | 1,315 sqft |
| Heating System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 97 BAHAMA REEF |
|---|---|
| City | NOVATO |
| State | CA |
| Zip | 94949-5357 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 13 PG 29 LOT 408 |
| Legal Subdivision | BEL-MARIN KEYS 03 |
| Legal Tract | 3 |
| Legal Lot Number | 408 |
| Jurisdiction | MARIN CA |
| Township / Civil Division | NOVATO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 104300 |
Source: Marin County records, as of July 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 97 BAHAMA REEF, NOVATO, CA 94949-5357 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Oct 25, 2023 | Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK |
| Dec 22, 2016 | Deed of Trust, Mortgage SMARTER MORTGAGES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2023 · Amount on Record |
| Deed Sale | Oct 25, 2023 · Amount on Record |
| Prior Sale | Sep 25, 2013 · Amount on Record |
| Deed Document Number | 202328361 |
| Prior Transfer Date | Sep 18, 2013 |
| Prior Transfer Doc | 0000062222 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MARIN CA |
| Recording Date | Oct 25, 2023 |
| Property Address | 97 BAHAMA REEF, NOVATO, CA 94949-5357 |
| Document Number | 0000028361 |
| Map Reference | VOL 13 PG 29 |
| Instrument Date | Jan 19, 2023 |
| Instrument | 2023-0028361 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 97 BAHAMA REEF, NOVATO, CA 94949-5357 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARIN CA |
| Property Address | 97 BAHAMA REEF, NOVATO, CA 94949-5357 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 97 BAHAMA REEF, NOVATO, CA 94949-5357 |
| Document Number | 0000045737 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 2020-0045737 |
| Name | AXOS BANK |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92122 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARIN CA |
| Property Address | 97 BAHAMA REEF, NOVATO, CA 94949-5357 |
| Document Number | 0000000584 |
| Instrument Date | Dec 22, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 97 BAHAMA REEF NOVATO CA 949495357, NOVATO, CA 94949-5357 |
| Document Number | 0000000584 |
|---|---|
| Date | Jan 5, 2017 |
| Instrument | 584 |
| Name | SMARTER MORTGAGES |
|---|---|
| Type | Mortgage Company |
| Address | POWELL, OH 43065 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 4, 2047 |
Source: Marin County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | California |
| County | Marin County |
| Unified School District | Novato Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,078,719 (+2%) Land $1,248,480 Building $830,239 | |
| 2025 | $27,240.00 (+73.16%) Homeowner's exemption | $2,037,960 (+72.97%) Land $1,224,000 Building $813,960 |
| 2023 | $15,731.00 (+2.75%) Homeowner's exemption | $1,178,219 Land $724,605 Building $453,614 |
| 2022 | $15,310.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective October 18, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 281 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 281 in force |
| Nearby Flood Claims | 10 (1982–2023) |
| Claims Outside the SFHA | 4 of 10 |
| Most Recent Claim | Feb 2023 |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH MARIN WATER DISTRICT serves 61,691 people · EPA ID CA2110003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
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